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Oct 30

Hairdressing Salon Advice Guidebook – Vital Insurance

Much like many other business types, having hair salon insurance will give you peace of mind that should anything go awry you’ll be covered.

A number of troubles could affect your prized business suddenly, so when you are operating your private company having the correct cover often means the difference between the loss of your company and retaining it.

The exact cover which you are likely to obtain will vary from one insurance policy to the next it is therefore important to check precisely what cover is included within your policy to make certain that you’ve got adequate cover for your beauty parlor.

Merchandise in transit

Even though hairdressing isn’t a business that needs to transport a great deal of stock around, you will nonetheless have to restock goods for example , hair shampoo, conditioners, dyes and other hairdressing equipment regularly. In the event that these goods were to be destroyed while in transit you may find yourself losing a lot of money. You will very likely desire to make sure that your hair salon insurance policy protects you for this type of damage.

Public Liability Insurance

Engaging with the public every day will mean that in the hairdressing salon market there is an increased risk that somebody could injure or hurt themselves whilst on your premises, maybe sliding on a spillage or even just spilling a cup of tea over their clothes. It is essential for this form of business enterprise that you be sure to incorporate public liability cover within your insurance plan. This component of your protection will ordinarily incorporate paying any legal charges along with any settlement.

Employers Liability Cover

Along a comparable vein to public liability insurance, the employers liability element of your salon insurance policy can provide security should one of the staff suffer from any type of injury when at your workplace.

For instance they may burn themselves or experience an accident with one of the treatments or products that you use. Any member of staff that experiences an injury can make a claim against you for damages. It’s generally a legal requirement for all businesses to possess employers liability cover.

Fixtures and Fittings

The initial thing that you will take note of in the majority of salons is that there’s usually a large number of wall to wall mirrors. Your insurance coverage will usually cover you for accidental destruction of any fixtures and fittings in your premises nevertheless, as we pointed out above it is good to read the policy phrasing, making sure that absolutely nothing is missed out. If you have any kind of special or higher cost equipment in the beauty salon it will always be recommended to talk about these with your insurance company in case they aren’t covered as standard.

A large number of of the factors already mentioned will come as standard on a salon insurance plan while some may possibly need to be added in as additional items.

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